Joint Project of Raiffeisenbank and TheMoscow Times — The Moscow Times Fine DinningGuide.

Raiffeisenbank presents a joint project with TheMoscow Times - The Moscow Times Fine Dinning Guide. This guiderepresents a collection of reviews of the city''s top 40restaurants. Restaurants appearing in the collection were chosenfollowing a rigorous selection process, based on high standards ofcuisine, service, atmosphere and management.

24 restaurants included in the guide offerRaiffeisenbank cardholders special discounts or freedesserts.

In the book one can find 23 reviews written bysome of the city''s finest chefs, translated from 4 languages,in addition to reviews by The Moscow Times'' dining critics. TheFine Dining Guide comes in a convenient pocket-size format, withtexts in both English and Russian. It is designed for readers withthe most refined taste and conceived with the goal of simplifyingthe search for the ideal restaurant among the capital''sgastronomic diversity.

Today, Raiffeisenbank''s clients can enjoy afull range of banking services, including opening accounts,receiving loans, obtaining Visa and MasterCard cards, conductingon-line operations, asset management and pension funds services(through NPF"Raiffeisen" and"RaiffeisenCapital" Asset Management Company).

Raiffeisenbank disposes of 10 branches inMoscow, a branch in Saint Petersburg. All of the Bank`s branchesoffer the whole range of services and products to both corporateand private clients.

By June 2004 number of cards, issued byRaiffeisenbank, has exceeded 100 000. Raiffeisenbank enteredRussian retail market in 1999 and now ranks the 7th among thelargest Russian retail banks.

Based on 2003 results Raiffeisenbank is ranked12th in terms of total assets and 5th among the most profitablebanks in Russia (RA Interfax). Raiffeisenbank is also the4th largest bank in Russia in terms of consumer lending and 7th interms of private deposits (Expert magazine).